5 Collateral Assessment Jobs

As a Financial Analyst, you will be responsible for conducting detailed financial and credit analysis to evaluate the creditworthiness of the company. This involves analyzing financial statements such as the balance sheet, profit & loss, and cash flow, along with assessing various ratios like liquidity, leverage, profitability, efficiency, and coverage ratios. Additionally, you will evaluate collateral strength and covenant compliance for both secured and unsecured funding. Your role will also involve preparing funding proposals, credit reports, and investor presentations for banks, NBFCs, and financial institutions. It is essential to structure loan and investment proposals in alignment with the company's financial objectives. You will be required to present financial insights and funding strategies to senior management, lenders, and investors, as well as collaborate with financial institutions to negotiate interest rates, loan terms, and funding structures. Furthermore, you will be responsible for identifying financial risks and proposing mitigation strategies. Monitoring debt servicing, cash flow projections, and funding utilization will be crucial aspects of your job. Ensuring compliance with banking regulations, RBI norms, and investment policies is essential. You will also need to stay updated on industry trends and macroeconomic factors that may impact funding decisions. In this role, cross-functional coordination is key. You will work closely with finance, treasury, audit, and legal teams to align funding strategies and support due diligence and financial modeling for potential investments. Additionally, you will assist in negotiations for credit lines, working capital loans, and structured finance deals.,

As a Financial Analyst, your primary responsibility will be to conduct detailed financial and credit analysis to evaluate the creditworthiness of the company. This includes performing a thorough analysis of the financial statements, such as balance sheets, profit & loss statements, and cash flow statements. You will also be required to conduct ratio analysis to assess various financial health indicators like liquidity, leverage, profitability, efficiency, and coverage ratios. Additionally, you will evaluate collateral strength and covenant compliance for both secured and unsecured funding. In this role, you will be responsible for preparing funding proposals, credit reports, and investor presentations for banks, NBFCs, and financial institutions. Your tasks will involve structuring loan and investment proposals in alignment with the company's financial objectives. Furthermore, you will present financial insights and funding strategies to senior management, lenders, and investors. Collaboration with banks and financial institutions will be crucial for negotiating interest rates, loan terms, and funding structures. Another important aspect of your role will be to identify financial risks and recommend appropriate mitigation strategies. You will be required to monitor debt servicing, cash flow projections, and funding utilization to ensure financial stability. Compliance with banking regulations, RBI norms, and investment policies will be a key focus area. Moreover, tracking industry trends and macroeconomic factors that impact funding decisions will be essential. Your role will require close coordination with various cross-functional teams including finance, treasury, audit, and legal departments to align funding strategies. You will also support due diligence processes and financial modeling for potential investments. Additionally, you will play a key role in negotiating credit lines, working capital loans, and structured finance deals. Overall, as a Financial Analyst, you will play a critical role in assessing the financial health of the company, preparing funding proposals, managing financial risks, ensuring compliance, and coordinating with multiple teams to support the company's funding objectives effectively.,

Core Responsibilities : Responsible for personal discussion of cases as per the laid down policies & procedures and maintain strict adherence to quality. Adhere to agreed SLAs and timelines in completing the activities assigned. A skill set of underwriting, disbursements, collateral, coordination with cross function sales operation function. Responsible for protecting company assets through proper evaluation of all credit requests, establishing credit limits and ensuring that all loans granted are adequately documented and secured by the appropriate collateral. Ensure proper communication of credit decisions to Stakeholders. Responsible for improving underwriting efficiencies while ensuring adequate risk management. Additional Responsibilities : Responsible for Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances and ICQ Observation Closure.

We are seeking a Credit Manager with 7-10 years of experience in MSME lending, particularly within an NBFC setting. The ideal candidate should be a qualified Chartered Accountant (CA) with a proven track record in underwriting MSME business loans, LAP, equipment loans, and supply chain finance. This role will be based in Pune and will play a crucial role in maintaining credit quality while supporting business growth. Responsibilities: - Conduct detailed financial analysis and credit risk assessment for MSME borrowers. - Underwrite business loans, LAP, equipment loans, and supply chain finance proposals according to internal credit policy. - Evaluate borrower financials, business models, banking behavior, and collateral quality. - Ensure compliance with credit policies, processes, and regulatory guidelines. - Monitor portfolio performance, identify risks, and take proactive measures to mitigate them. - Coordinate with internal teams and external partners for smooth disbursement and documentation. - Contribute to digital underwriting workflows and credit automation initiatives. Experience Requirements: - Chartered Accountant (CA) with 7-10 years of post-qualification experience in credit underwriting. - Prior experience in NBFCs or banks in the MSME lending sector is crucial. - Expertise in underwriting various types of loans and finance. - Strong knowledge of financial statements, ratio analysis, and cash flow projections. - Familiarity with credit scoring models, rating tools, and regulatory compliance. - Excellent decision-making and communication skills. - Pune-based or willing to relocate. Key Skills: - Proficient in credit risk assessment, financial ratios, banking & GST analysis, bureau, and collateral assessment. - Detail-oriented with the ability to work efficiently in a fast-paced environment. - Experience in tech-enabled credit evaluation and alternate data usage. - Exposure to digital lending platforms or fintech collaborations. - Strong written and verbal communication skills in English. - High integrity and trustworthiness. About Us: We are a newly established NBFC dedicated to providing finance to MSMEs and underserved retail borrowers in India. Our goal is to develop a modern, tech-driven lending platform that offers responsible credit at scale. Our parent company, AVANA Companies, is a U.S.-based group specializing in lending to niche industries such as hospitality, construction, and Commercial Real Estate (CRE). Founded in 2002, we have a strong track record in loan origination and asset management. Why Join Us: Join our fast-growing NBFC and help build and strengthen our credit and risk framework. Work closely with founders and leadership in a transparent, dynamic environment. This role offers high-impact opportunities with clear growth prospects into future leadership positions.,

You are looking for a Live Underwriter position with a permanent work from home option. The role involves conducting underwriting for residential mortgages in the U.S. during night shifts. A minimum of 3+ years of experience in underwriting is required, with at least 2 years specifically in live underwriting. Your key responsibilities will include reviewing and underwriting U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. You should be familiar with GNMA and other investor guidelines. Conducting a comprehensive analysis of borrowers" credit, income, assets, and collateral (4Cs) to determine creditworthiness is essential. This includes performing income analysis from various sources and reviewing credit reports. As a Live Underwriter, you will validate collateral and property valuations, verify asset documentation, and make independent underwriting decisions in line with investor and company policies. Compliance with internal controls and regulatory requirements is crucial. Clear communication of findings and decisions to stakeholders is expected while delivering quality outcomes within specified turnaround time and accuracy metrics. This full-time permanent role is based in Gurgaon. Interested candidates can reach out to HR Umme at 8655884775 or Umme@careerguideline.com. If you meet the experience requirements and possess the necessary skills for residential underwriting, this opportunity at FIRST SOURCE could be a good fit for you.,